After some research I learned that only 8 times since 1950 has Jan ended in gains without a single day in January losing or gaining 1%. In 7 of those 8 years the average market gain for the rest of the year was 15% or greater. Personally I think 2017 will be a great year. We are due for one as the past 2 have been sub par....I have my TSP % set up as this.....10-I 10-C 10-S 25-2050 25-2040 and 20-2030. My plan is to leave it alone and if a correction comes of greater than 3% I will move the L funds over to C S and I to try and catch the bounce.

My last 12 month return % was 19% thanks to that incredible bounce after the election. I feel bad for the folks that hunkered down in the G thinking that a Trump win would be bad...they have certainly missed out...

I think the I has room to run.....of all the funds it has lagged behind for the past couple of years. My plan is to stay in moderate to high risk and start drawing monthly distributions equal to about 3% per year of my TSP balance. (they say the rule of thumb is you can draw 4% per year without impacting your balance over time) Hopefully it will continue to grow even with me not contributing any more....either way this recent bounce sure helped me out...

I'm curious why you would include the L 2020 and L 2030 Funds? The L Funds are not separate funds. They are simply invested in the five individual TSP funds (G, F, C, S, I) based on professionally determined asset allocations. As of January 2017, the L 2020 and L 2030 Funds were invested as follows:

L 2020G = 52.94%F = 6.06%C = 22.68%S = 6.02%I = 12.30%

L 2030G = 31.2%F = 6.04%C = 34.14%S = 9.78%I = 18.83%

If the L 2020 and L 2030 Fund allocations make sense to you, then I would look seriously at simply making the overall mix of the five funds an approximate average between the two. Maybe something like:

L 2030G = 40.0%F = 5.0%C = 30.0%S = 10.0%I = 15.0%

Otherwise, if you mix the L 2020 and L 2030 Funds with any of the other funds, you are merely mixing in differing percentages of the exact same five funds.

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